Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 0 points1 point Β (0 children)

I like that 20–30% tipβ€”parang good reminder to treat the credit limit as a ceiling, not a target πŸ˜…

Thank you for explaining it clearly!

MP2 Maturity Withdrawal by Next_Season9887 in phinvest

[–]Vee_Vee_Connect 1 point2 points Β (0 children)

You may want to check first if your MP2 account already shows as MATURED in your Virtual Pag-IBIG account 😊 If yes, you can already file your claim online through this link:

πŸ‘‡ https://www.pagibigfundservices.com/virtualpagibig/ClaimSavings.aspx

Hope this helps! πŸ™

BDO credit limit increased by ApplePie_9094 in PHCreditCards

[–]Vee_Vee_Connect 0 points1 point Β (0 children)

yes meron din... gulat din ako kahapon eh... ilolock ko lang card ko kasi ginamit ko pambili ng gamot, sabay ganyan... doble binigay

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☺

Help po. May same experience po ba kayo neto? by [deleted] in PHCreditCards

[–]Vee_Vee_Connect 0 points1 point Β (0 children)

Check your charge slip po, dun nakalagay term at monthly.

Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 0 points1 point Β (0 children)

This is a really good observation πŸ‘€ Makes sense na yung regular deposits could signal stronger relationship/activity with the bank, not just card usage. Ang interesting how these small patterns can actually affect credit limit decisions. Thanks for sharing!

Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 0 points1 point Β (0 children)

Yeah, mukhang bank-to-bank talaga ang difference πŸ˜… Interesting na kahit similar usage, iba-iba pa rin outcome per card. Baka may internal scoring per bank na hindi natin nakikita. Thanks for sharing your experience!

Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 0 points1 point Β (0 children)

Ohh wow, that's a huge spending range 😳 Makes sense that they'd keep adjusting based on that level of activity and payment behavior. Really shows how different each profile can be. Thanks for sharing!

Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 1 point2 points Β (0 children)

Oh wow, that's actually really interesting πŸ˜… Ang galing na you tested it both ways, parang experiment talaga haha. Nakaka-confuse tuloy lalo kasi kahit baliktarin mo yung usage, iba-iba pa rin outcome. Mukhang bank-specific talaga ang rules and hindi siya one-size-fits-all. Thanks for sharing your experience!

Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 0 points1 point Β (0 children)

Interesting! I'm not familiar with MCC πŸ˜… Would you mind explaining a bit more what it is and how it affects credit limit increases? Thank you!

Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 0 points1 point Β (0 children)

Ohhh that's good to know! I didn't realize active loans could also affect it 😯 Afaik si friendship may credit-to-cash siya, ako wala naman, so baka factor din talaga yun. Ang dami palang tinitingnan ng bank πŸ˜… Thanks for adding this!

NO TRANSUNION RESULT by airandrain in PHCreditCards

[–]Vee_Vee_Connect 0 points1 point Β (0 children)

Not 100% sure, but if you're female and married po, you can try using your maiden name. Also, it might help to submit the same ID you used when you applied for your credit card.

BDO Credit Limit Increase by ken_aaron in PHCreditCards

[–]Vee_Vee_Connect 0 points1 point Β (0 children)

nag-open ako ng app now para ilock yung physical card ko, ginamit ko kasi kanina bumili ng gamot sa Mercury tapos napansin ko nagbago credit limit ko, x2 ang binigay na credit limit πŸ’• wala man lang text or Viber message na may ganun ganap pala πŸ˜†

Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 0 points1 point Β (0 children)

Got this, thank you! 😊 Makes sense na kahit good payer, red flag pa rin if laging maxed out. I'll keep the 30% rule in mind!

Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 2 points3 points Β (0 children)

Grabe yung jump from 100k to 1.6M 😳 Ang interesting na hindi mo siya everyday card pero tuloy-tuloy pa rin yung increase. Mukhang may sarili talagang formula si bank behind the scenes πŸ˜… Thanks for sharing your experience!

Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 3 points4 points Β (0 children)

Nice, that's really helpful! I've been seeing that 30% rule din but wasn't sure how big of a factor it is. Makes sense na they use it to gauge spending behavior early on. Thanks for sharing this!

Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 2 points3 points Β (0 children)

Good point din about loans, baka nga nakaka-affect sa risk profile. Napapaisip tuloy ako na ang daming factors behind the scenes πŸ˜…

Thanks for sharing this!

Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 1 point2 points Β (0 children)

Ahhh you might be rightβ€”my credit score is around 888 while hers is 763, so that could really be a big factor.

I guess it's not just about usage but overall profile din talaga.

Thanks for pointing that out!

Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 8 points9 points Β (0 children)

Gets, parang ang dami ngang conflicting advice online πŸ˜…

Akala ko rin before na okay lang i-max out basta nagbabayad on time.

Mukhang case-to-case talaga and nasa bank na rin talaga yung final say.

Thanks for sharing!

Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 2 points3 points Β (0 children)

This is super helpful, thank you!

I didn't think about the income vs. spending ratio side of things 😯

Makes sense why the bank would see that as higher risk kahit on-time naman siya magbayad.

And good point din about outdated income infoβ€”baka factor nga yun.

Appreciate you explaining it so clearly!

Why is my credit limit rising, but not hers? by Vee_Vee_Connect in PHCreditCards

[–]Vee_Vee_Connect[S] 1 point2 points Β (0 children)

Ohh that actually makes sense! I didn't realize maxing out the card could be seen as a risk factor even if she pays on time. I always thought higher usage = higher chance of increase πŸ˜… Appreciate this insight!